38574 Homes under $300,000

Welcome to the charming community of Monterey, TN, nestled in the heart of the picturesque Upper Cumberland region. The 38574 zip code is a hidden gem, offering a tranquil lifestyle surrounded by natural beauty and a warm, welcoming atmosphere. Known for its stunning landscapes, this area is perfect for those who appreciate the great outdoors, with nearby parks, lakes, and rolling hills that invite exploration and adventure.

Monterey boasts a diverse selection of homes, making it an ideal destination for first-time buyers, families, and retirees alike. One of the most appealing aspects of this vibrant community is the availability of homes priced under $300,000. Whether you’re seeking a cozy cottage, a spacious family home, or a charming bungalow, you’ll find an array of options that fit your budget without compromising on quality or comfort.

The real estate market in 38574 is characterized by its affordability and variety, allowing you to find the perfect home that suits your lifestyle. Enjoy the convenience of small-town living with access to local shops, restaurants, and community events, all while being just a short drive from larger cities like Cookeville and Crossville.

Embrace the opportunity to create lasting memories in Monterey, where friendly neighbors and a strong sense of community await. Let us help you discover your dream home in this delightful corner of Tennessee, where the beauty of nature meets the warmth of home. Explore the possibilities today!

Newest 38574 Homes under $300,000

$274,999

3 Beds ⋅ 2 Baths ⋅ 3603979 MLS ⋅ ACTIVE Status ⋅ 3.2 Acres ⋅ 38574 Zip Code

PRICE IMPROVEMENT! Now Offered at $274,999 Country Charm, Privacy & Homestead Potential on 3.2Â± Acres! Discover the possibilities with this character-filled 1947 home tucked away on approximately 3.2 level, wooded acres in a convenient location between Crossville and Cookeville. Offering approximately 1,800 square feet of living space, this property combines vintage charm with modern updates and endless potential. The home features 3 bedrooms, 1.5 bathrooms, a versatile bonus room, and a bright, inviting living room filled with natural light. The kitchen showcases beautiful tongue-and-groove ceilings that add warmth and rustic appeal, while the dining room fireplace serves as a charming reminder of the home's history. Double subflooring and numerous updates provide a solid foundation for your finishing touches. Outside, the property is well suited for those seeking a hobby farm, homestead, or peaceful country retreat. Improvements include a chicken coop, established garden area, a metal building with excellent potential for a future barndominium, an additional storage/workshop building, and a historic stone chimney that reflects the property's rich heritage. Mature trees provide shade and privacy, creating a serene setting to enjoy nature. Whether you're searching for a primary residence, weekend getaway, investment opportunity, or a property with room to expand, this one offers exceptional potential in a desirable Upper Cumberland location with easy access to shopping, dining, and Interstate 40. Buyer to verify all information and measurements before making an informed offer.

14765 Highway 70 N, Monterey

$179,929

3 Beds ⋅ 1 Baths ⋅ 3601975 MLS ⋅ ACTIVE Status ⋅ 0.24 Acres ⋅ 38574 Zip Code

Tucked away at the end of a dead-end street within Monterey city limits, this charming home offers the character of an older home paired with thoughtful updates and comfortable living spaces. Hardwood floors run throughout the home, adding warmth and character, while large windows flow from room to room and bring in an abundance of natural light. The remodeled kitchen brings a fresh, modern touch with butcher block countertops, painted cabinetry, and stainless steel appliances approximately one year old. The functional floorplan offers distinct living spaces that can flex to fit the way you live and entertain. The centrally located full bath is exceptionally spacious, and all three bedrooms offer plenty of room along with great closet space. Outside, the newly constructed covered front porch and open side deck extend your living space and create inviting spots to relax, entertain, or enjoy the outdoors. The large backyard offers plenty of room to garden, play, gather, or simply enjoy the extra space. A detached building in great condition adds even more versatility and could serve as a workshop, additional storage, or a place to house equipment and tools. A gas line runs into the home, although it is not currently connected, allowing the next owner the opportunity to customize it to their needs. The home also previously featured a wood-burning stove. While the stove and related components have been removed, the option remains to add one back if desired. Additional updates include a central heating and cooling system approximately 3-4 years old and a metal roof approximately 6 years old. With its combination of original character, thoughtful updates, flexible living spaces, outdoor areas, and versatile detached building, this Monterey home offers a lot to appreciate.

408 E Williams Ave, Monterey

$295,000

2 Beds ⋅ 2 Baths ⋅ 3601974 MLS ⋅ ACTIVE Status ⋅ 0.29 Acres ⋅ 38574 Zip Code

Beautifully maintained brick home in the heart of Monterey offering comfort, flexibility, and plenty of space both inside and out. This inviting 2 bedroom, 2 bathroom home features an open concept design with a spacious living area flowing into a well equipped kitchen with an abundance of cabinetry and generous counter space. A versatile bonus room provides the flexibility to create a third bedroom, home office, hobby room, or whatever best fits your lifestyle. The spacious utility room offers excellent additional storage, while new windows provide an updated look and added efficiency. Outside, the covered front porch creates a welcoming entry, while the large backyard offers plenty of room to relax, entertain, or enjoy the outdoors. A new wooded privacy fence adds seclusion and character to the backyard, and the detached storage building with electricity provides convenient space for tools, hobbies, or additional storage. Located within the Monterey city limits with easy access to Interstate 40, this home combines small town convenience with an easy commute to surrounding areas. A charming brick home with flexible living space, a large backyard, and thoughtful updates that is ready for its next owner. (Buyer to verify all information before making an informed offer.)

105 E Minnie Ave, Monterey

$299,900

5 Beds ⋅ 3 Baths ⋅ 3601647 MLS ⋅ ACTIVE Status ⋅ 0.32 Acres ⋅ 38574 Zip Code

Welcome to 106 W Crawford, a unique real estate opportunity nestled inside the Monterey city limits. This gorgeous property features a custom, Honest Abe-built log home paired with a completely separate income-producing apartment on a spacious corner lot. The main residence offers 1,852 sq. ft. of warm, inviting living space, including a cozy living room anchored by a gas stone fireplace, a formal dining room, and an updated kitchen complete with a center island. The main-level primary bedroom features a large walk-in closet, while upstairs holds two additional bedrooms and a full bath. Outside, enjoy an attached 2+ carport and beautiful covered front and side porches. Just steps away, the detached 775 sq. ft. guest house/mother-in-law suite boasts its own separate address, utility meters, and driveway. This 2-bedroom, 1-bath unit includes a cozy living room and a kitchen recently upgraded with stunning cedar cabinets, making it perfect for rental income or multi-generational living.

106 W Crawford Avenue, Monterey

$210,000

3 Beds ⋅ 2 Baths ⋅ 3596200 MLS ⋅ ACTIVE Status ⋅ 1.1 Acres ⋅ 38574 Zip Code

3 Bedroom Home on 1.1 Unrestricted Acres | Creek Frontage | Country Setting Enjoy peaceful country living with the convenience of being just minutes from town! This 3-bedroom, 2-bath manufactured home sits on approximately 1.1 unrestricted acres and borders Dripping Springs Creek, offering a scenic setting with room to enjoy the outdoors. The home features a desirable split-bedroom floor plan with a spacious primary suite, private bath, and large walk-in closet. The good-sized kitchen offers plenty of workspace, a pantry for additional storage, and all kitchen appliances convey. LVP flooring runs throughout most of the home, with no carpet. Step outside onto the large back deck, perfect for relaxing and enjoying the country surroundings. A storage building provides additional space for lawn equipment, tools, or recreational gear. Recent improvements include a new roof and new water heater. The home is connected to public water. An old well is also located on the property; its condition and functionality are unknown. The manufactured home has been detitled. Conveniently located approximately 7 minutes from Monterey for everyday necessities and approximately 25 minutes from both Cookeville and Crossville for additional shopping, dining, medical services, and entertainment. With unrestricted acreage, creek frontage, and a convenient Upper Cumberland location, this property offers a great combination of country living, flexibility, and accessibility. All information is deemed reliable but is not guaranteed. Buyer and/or Buyer's Agent to independently verify all information, including but not limited to square footage, acreage, restrictions, utilities, schools, manufactured home status, well information, creek/boundary information, and any other matters of importance to the Buyer.

18726 Clarkrange Hwy, Monterey

$250,000

3 Beds ⋅ 2 Baths ⋅ 3593777 MLS ⋅ ACTIVE Status ⋅ 1.66 Acres ⋅ 38574 Zip Code

This well maintained double-wide home on a solid foundation is situated on 1.6 acres of land between Crossville and Cookeville. This home features vaulted ceilings, a propane fireplace and a spacious kitchen with a double pantry for plenty of storage. The primary bath offers a convient walk-in shower. Enjoy outdoor living on the covered 10x20 deck. Two storage buildings provide additioal storage. One of the storage buildings has power already run to it. A newer metal roof, adds peace of mind and durability. A great opportunity for comfortable county living with room to spread out. **Information provided is not a gaurantee, buyer to verify all information and measurements before making an informed offer.**

16660 Highway 70, Monterey

$299,900

3 Beds ⋅ 3 Baths ⋅ 3531796 MLS ⋅ ACTIVE Status ⋅ 2.01 Acres ⋅ 38574 Zip Code

Welcome home to this spacious 1,756 square foot property offering the perfect combination of comfort, privacy, and room to enjoy quiet Tennessee living. Situated on a beautifully maintained 2-acre lot, this home has it all. Step inside to a large, welcoming entryway that sets the tone for the generous layout. The oversized bedrooms provide plenty of space to relax, and each features its own walk-in closet and private deck, creating the perfect retreat to enjoy your morning coffee or unwind in the evening. The oversized two-car garage offers abundant space for vehicles, storage, or hobbies. This home is on well water that has been properly maintained with pump and filter. Relax knowing that even on the coldest winter nights you will stay warm with the Wood stove as dependable backup heat during cooler months. Outside, you’ll fall in love with the park-like setting. The meticulously maintained yard is surrounded by mature shade trees that have been carefully cared for over the years, creating a peaceful, private oasis. Located in an established neighborhood with no HOA, you’ll enjoy the tranquility of country-style living without sacrificing convenience.

3291 Cumberland Lakes Dr, Monterey

$249,900

3 Beds ⋅ 2 Baths ⋅ 3514255 MLS ⋅ ACTIVE Status ⋅ 3.86 Acres ⋅ 38574 Zip Code

Welcome to your own slice of country living! This beautifully renovated rustic farmhouse offers 3 bedrooms, 1.5 baths and approximately 3.86 acres of unrestricted land, providing plenty of room to enjoy the peaceful rural lifestyle you’ve been looking for. The property is thoughtfully set up for a mini-farm or homestead, featuring fruit trees, blueberry bushes, a spacious yard with potential garden space, two storage sheds, a lean-to barn with fencing for horses, a goat shed and run. A well is also available on the property. Outdoor living is a highlight, with two fire pit areas and comfortable seating, plus an outdoor movie theater—perfect for relaxing evenings, entertaining, or enjoying the peaceful surroundings. And an above ground pool! The property also includes a separate 75-gallon septic tank previously connected to a large bumper-pull camper, offering potential for a tiny home, camper, or trailer setup (buyer to verify intended use and requirements). Located just minutes from Cumberland Cove Golf Course and approximately 20–25 minutes from Crossville and Cookeville. Knoxville and Nashville are approximately 1.5 hours away, offering the perfect balance of peaceful country living and convenient access to town and larger cities. Unrestricted land. Bring your horses, chickens, goats, garden plans, camper, or simply your desire for more space and freedom. This unique property is ready for you to make it home!

42 Dripping Springs Ct, Monterey

$265,000

3 Beds ⋅ 2 Baths ⋅ 3304530 MLS ⋅ ACTIVE Status ⋅ 5.2 Acres ⋅ 38574 Zip Code

Welcome to 460 Jim Garrett Road in Monterey, Tennessee! Nestled on 5.2 beautiful, mostly level acres, this 2023, 3-bedroom, 2-bath manufactured home offers the perfect combination of modern living, privacy, and room to enjoy the outdoors. Step inside to an inviting open-concept floor plan designed for comfortable everyday living. Whether you're looking for your primary residence, a weekend retreat, or a place to enjoy the peaceful Tennessee countryside, this move-in-ready home is ready for its next owner. Outside, you'll find plenty of space to spread out and make the property your own. The acreage is ideal for gardening, outdoor recreation, or simply enjoying the quiet surroundings. The property also includes a 6' x 8' metal storage shed and a 36' x 36' concrete pad behind the home, offering excellent potential for a future garage, workshop, RV parking, or additional outdoor living space. A standout feature of this property is its location, backing up to approximately 1,000 acres of wooded hunting land, creating a private backdrop with abundant wildlife and no rear neighbors. Conveniently located just minutes from Interstate 40, you'll enjoy easy access to Cookeville and Crossville, while being approximately 90 minutes from Nashville, Knoxville, and Chattanooga, making this an ideal home base with convenient access to three major Tennessee cities. Don't miss your opportunity to own a newer home on acreage in the beautiful Upper Cumberland--where peaceful country living meets modern convenience.

460 Jim Garrett Rd, Monterey

$229,900

2 Beds ⋅ 1 Baths ⋅ 3260594 MLS ⋅ ACTIVE Status ⋅ 1.81 Acres ⋅ 38574 Zip Code

Perched on almost two unrestricted acres of open land and woods, this affordable, move in ready residence is positioned close to the Muddy Pond community, 10 minutes from I-40 & the quaint town of Monterey. The updated kitchen showcases sleek new shaker cabinetry, granite countertops & an attractive tiled backsplash, along with stainless steel appliances. Notable amenities include a bonus room, pretty laminate flooring, & a cozy living room with fireplace and wood ceiling. The updated bathroom boasts a double sink vanity, tile flooring & walk-in shower. Recent improvements include newer HVAC system, gutter system, new windows and new ceiling fan lighting fixtures. The partially finished basement offers you versatile space, while the covered back porch provides an ideal spot to appreciate the privacy and watch the deer. Additional features comprise of a 500 square foot detached garage and a 2-car carport. Call today! Immediate possession and acreage surveyed!

2952 Hanging Limb Hwy, Monterey

$275,000

3 Beds ⋅ 2 Baths ⋅ 3234059 MLS ⋅ ACTIVE Status ⋅ 38574 Zip Code

Brand new construction in Monterey city limits. Stylish, quality home with everything you would expect. Open floor plan with vaulted ceiling, granite, white cabinets and stainless steel appliances.

204 E Peter Ave, Monterey

$275,000

3 Beds ⋅ 2 Baths ⋅ 3234054 MLS ⋅ ACTIVE Status ⋅ 38574 Zip Code

Brand new construction in Monterey city limits. Stylish, quality home with everything you would expect. Open floor plan with vaulted ceiling, granite, white cabinets and stainless steel appliances.

218 E Peter Ave, Monterey

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.